Remain vigilant for Patelco phone number spoofing. Our Patelco team will never reach out to you directly to ask for your card details, like expiration date or CVV code.
Our branches and call center are closed Monday, September 2.
The right checking account build a strong foundation — find one tailored to your unique needs.
The right savings account helps you grow toward your goals — find one that fits your needs and lifestyle.
Manage your Patelco accounts effortlessly with our comprehensive support services.
Low rates, no annual fees — Patelco credit cards fit every lifestyle and financial goal.
Flexible loans and lines of credit to consolidate debt or cover life’s big expenses
Flexible lending options and programs for new and existing homeowners.
Take advantage of one of life’s biggest investments.
Drive off with an affordable new or used vehicle, or save on one you already own.
Have your fun and freedom with a great loan that fits into your financial plan.
Explore our payment support center to learn more about loan modification options.
Up to $50,000. As low as 12.40% APR.
Get support managing your debit and credit cards and loans.
Learn more about our local expertise, guidance and personal service.
Tailored investment solutions to help you plan, invest, and secure your financial future.
Comprehensive insurance solutions to protect your assets and loved ones.
Complimentary one-on-one guidance from our Certified Financial Specialists.
Connect with us and find the right insurance option that fits your needs.
Patelco’s Digital Banking provides secure, convenient access to your accounts anytime, anywhere. Manage your finances effortlessly with our comprehensive suite of online and mobile services.
Sign up for Patelco Online™ to access and manage your accounts securely.
Schedule a video appointment or meet instantly with a Patelco team member.
Manage accounts, pay bills, and transfer funds securely from any device.
Bank on the go: check balances, deposit checks, send money and more.
Make secure, contactless payments using your mobile device at participating merchants.
Schedule and manage your bill payments online with ease and confidence.
Transfer funds between accounts or send money to others quickly and securely.
Send and receive money instantly with friends and family using Zelle®.
Download our Mobile App to check your balance, make transfers, pay bills, deposit checks, plan and save securely and conveniently from your phone or tablet.
Patelco Credit Union is a full-service, not-for-profit financial cooperative dedicated to helping members and communities prosper. With nearly $10 billion in assets and over 500,000 members nationwide, we are one of the largest credit unions in the nation.
Higher savings, better rates, and fewer fees. Patelco membership connects you to more.
Discover all the perks, savings and resources that come with being a Patelco member.
Learn about our history, our core values and our mission to build financial wellbeing.
Meet the people who are dedicated to helping you live your best financial life.
We’re united in our mission to help uplift each other, our members and communities.
Patelco’s latest news and announcements, media and press, awards and more.
See exactly how we’re doing by reviewing our latest financials.
As your trusted financial partner, we’re solely focused on helping our members build and sustain their best financial lives. Learn what makes Patelco membership different.
Get expert guidance, tools and support to take control of your financial future — from fraud prevention to education, relief options, and personalized advice.
Protect yourself from scams with tools, alerts, and tips to keep your info secure.
Explore financial hardship resources, loan relief options, and personalized support.
Tune in for expert interviews and real-life stories to help you master your money.
Get one-on-one coaching and tailored financial guidance from our financial specialists.
Join live and on-demand webinars to grow your financial knowledge and confidence.
Access tools, articles, and interactive course to support smarter financial decisions.
Access articles, guides, and tools to enhance your financial knowledge.
Learn more about Patelco’s community values, service in action, impact, events and partnerships.
Learn about our impact, purpose and involvement in the communities we call home.
Check out our sponsored community events and ones we participate in.
Discover how we can create a stronger culture of financial health for your employees.
Follow and like us to get the latest news, financial tips, and special offers.
Access to your accounts anywhere, anytime
Affordable repayment terms on vehicles up to 10 years old and 150,000 miles.
Fixed rates starting at 6.54% APR1
Up to 140% financing
Up to 84 months
Whether you’re heading to the dealer, keeping the car you’re leasing, or buying from a private party, with low rates, fast pre-approvals and access to online car shopping tools and resources, you’ll be prepared to make your next purchase with confidence.
It’s easy to pre-qualify online. Get started by checking your rate with no impact to your credit.2 You’ll see your personalized rate, terms, and payment details all upfront – so you know what you can afford before you buy.
Now for the fun part! We’ve partnered with local dealers to offer special financing and promotional discounts on quality used and certified pre-owned cars. With your pre-approval in hand, shop for the perfect ride and visit a dealership, private party, or search for cars online with our free AutoSMART™ service.3
Pre-qualify within minutes online
See your rate, loan terms and payment before you buy
Lock in your rate for up to 15 days – guaranteed4
Shop with Enterprise Car Sales and save an additional 1.00% APR off your rate on terms up to 72 months5
Enjoy no car payments up to 90 days6
Cover your car in the event of mechanical breakdowns, financial loss and more — get your quote today.
Rates Effective 06/07/2024
Term
Minimum Amount
APR range1
How much can I afford?
Calculations provided are for demonstration purposes only and do not guarantee credit approval for the rate and terms displayed.
Getting pre-approved upfront is recommended. It helps you know what you can afford before you start to shop for vehicles. But if you are out shopping already and have not been approved yet, you can ask the dealer to process your application with Patelco and they can check if you’re eligible for financing right then and there.
Our online application process is fast and can be completed within a matter of minutes. Start off by checking your rate. You’ll see your future payments, terms, and loan amount – with no impact to your credit.2
We work with many trusted dealerships throughout California. Here’s how to check:
The process is simple. Get pre-qualified in advance and finish your application for an auto loan.
We partner with Enterprise Car Sales to bring you great deals on your next used car. Shop online or at a location near you and choose from over 250 different makes and models.
Be sure to explore our financial well-being resources.
1 Used Auto rates starting at 6.54% APR (Annual Percentage Rate) effective 06/07/2024; subject to change without notice. Patelco offers a range of base rates and discounts that depend on factors such as credit history, loan term, Patelco account relationship, vehicle mileage, amount financed and vehicle age. Additional discounts may apply. Actual rates are disclosed to approved applicants in writing prior to loan consummation and may be as high as 17.99% APR. To learn more about rates, terms, and exclusive discounts for members, such as Commitment Household, call 800.358.8228 or visit any Patelco branch.
Used Auto loan payment examples: 0‑48 months: $23.73 per month per $1000 borrowed at 6.54% APR for 48 months; 49‑66 months: $18.08 per month per $1000 borrowed at 6.54% APR for 66 months; 67‑72 months: $16.97 per month per $1000 borrowed at 6.84% APR for 72 months; 73‑84 months: $15.24 per month per $1000 borrowed at 7.29% APR for 84 months.
2 Patelco runs a “soft” credit pull to determine which pre-qualification offer you qualify for. This doesn’t affect your credit score. If you choose to proceed with a loan application, Patelco will request your full credit report from one or more credit reporting agencies. This will be a “hard” pull and may affect your credit. If necessary, we may also share certain information about you with third parties, like our insurers, to process your request.
3 The AutoSMART™ links on this page will cause you to leave the Patelco Credit Union website. Although Patelco works closely with many partners, third-party sites may offer a different privacy policy and level of security. Please consult the website’s Privacy Policy for additional information. Patelco Credit Union does not legally represent the operator of this site or the Patelco member, should the two enter into a transaction. We are also not legally responsible for availability, viewpoints, products, or services offered or expressed on the site you are about to visit.
4 After you submit a loan application, your Auto Loan rate disclosed is guaranteed for 15 days from the date your loan is approved. Any change to term and/or vehicle information, credit history, account relationship, and Patelco promotional discounts or programs may result in a rate change. Your final rate will be disclosed to you in writing.
5 APR (Annual Percentage Rate). 1.00% off current Patelco Credit Union rate with a max loan term of 72 months. Current rate will vary based on credit worthiness and terms. Financing for qualified Patelco Credit Union members. Offer valid only on Enterprise Car Sales vehicles purchased from June 1, 2024 – August 31, 2024. This offer cannot be combined with any other offer other than those listed in this advertisement.
6 At closing, you have the option to select up to 90 days of deferred loan payments on your new or used auto loan. The actual number of days will depend on the terms of the loan. Interest will accrue on your auto loan beginning on the date the loan is funded and the first payment will be applied to interest accrued from the date the loan is funded to the first payment date and then to principal due.
7 Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. Some limitations & restrictions apply.
8 Limited warranty begins on vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. Restrictions apply. Contact a Team Member for details.
